Choose a country
United States
Select a city
Select a city
Select language
English
Select country
Choose a country
United States
Australia
Canada
España
México
Philippines
United States
Việt nam
Казахстан
Россия

Citi Cash Rewards Credit cards for february 2024

Apply for a Citi Cash Rewards Credit card. On 28.02.2024 you have access to 5 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 5
Updated:
20.02.2023
05:47
BEST CREDIT CARD FOR GAS
Citi
Citi Custom Cash Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

18.24 – 28.24 %
Citi
Citi® Double Cash Credit Card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from 28.24 $
Rate
i

Effective interest rate on the product

to 18.24 %
Citi
Costco Anywhere Visa® Card by Citi®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Citi
Costco Anywhere Visa® Business Credit Card by Citi®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Citi
Costco Anywhere Visa® Credit Card by Citi®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000

Credit Card Online Application of February 2024

Define the conditions and choose an appropriate bank card

Card limit
i

Specify the loan term for the calculation

500 $
15000 $
$
Konstantin T
Your data is securely protected
CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
Review

Terms and conditions

Citi offers cash reward cards, also called cashback credit cards. Cash reward cards work the same way as normal cards - you use them to make purchases and add enough funds at the end of a billing cycle to avoid paying interest. Some of the money you've spent is returned to you as cashback.

The APR on the cards is variable, meaning it can change with the Prime rate. There are fees related to balance transfers, cash advances, foreign transactions, and late and returned payments on the cards. 

  • Citi Custom Cash Card enables you to earn $200 in cash back thanks to the current promotional offer. The card has an introductory APR of 0% for the first 15 months. Then, the APR will move into the range of 17.74%-27.74%. You can earn cashback of 5% on select purchase categories, and 1% cashback is given when you spend money outside these categories. There's no anal fee.

  • Citi Double Cash Credit Card offers APRs in the range of 17.74%-27.74%. You can get 2% cashback by earning 1% when you purchase something and 1% when you pay for it.

  • Costco Anywhere Visa for businesses and individuals. The APR for cards is 18.99% variable. You get up to 4% cash back on eligible gas and EV charging spent worldwide, including gas and EV charging at Costco. You will get 4% for the first $7,000 per year, and after your cashback will be 1%. You can gain 3% cash back on dining at restaurants and eligible travel spending, 2% cash back on other purchases from Costco, and 1% on all other purchases.

Pros and cons

Pros

  1. Citi bonuses

  2. Easy conversion

  3. No monthly service fee

  4. Higher-than-average rewards

  5. Straightforward terms and conditions

  6. Access to a large fee-free ATM network.

Cons

  1. Rewards expire after 12 months

  2. Fees, including a 3% transaction fee.

Main requirements

Both Costco-sponsored credit cards require a Costco membership, and that's why a helpful "Join Costco" link will lead to the membership portal.

Your chances of being approved for a Citi Custom Cash or a Citi Double Cash card are solid if your credit score is at least 700. 

During the application process, information regarding your income and current debt will be reviewed, meaning you need to have sufficient revenue to pay monthly bills and a DTI (debt-to-income) ratio that meets the requirements. You also have to be over 18 years of age and a citizen of the United States.

How to apply for a card

Once you've settled on a Citi card with cash bonuses, it's time to apply for it. The application process is straightforward: 

  1. You need to click on the "Apply Now" button underneath the card you chose;

  2. Provide information on your current income, debt, SSN, address, and other relevant data;

  3. Agree to a credit score check.

Most applications are approved or denied on the same day. Your spending limit will be based on your creditworthiness and can be as low as $500.

How to pay back a credit card debt

You are supposed to pay off the debt after every billing cycle. There's a 23-day grace period. 

Usually, the payments are made either through the official Citi Mobile App or via the Citibank Online portal. Different payment venues are offered to clients, including e-payments, online banking, and wire transfers.

If you miss your payment date, Citi will apply a late fee. The maximum late payment amount is $41.

FAQ

What are Citi cash rewards on credit cards?

Citi rewards its customers with cash back. Four cashback cards are available: Citi Custom Cash, Citi Double Cash, and Costco Anywhere Visa (Business or Individuals). The first two cards earn ThankYou points, which later can be exchanged for real money.

What credit score is needed for Citi cash rewards cards?

The requirements for Citi's credit cards are a credit score above 700, sufficient revenue, and DTI that meets the requirements that the bank doesn't openly disclose. Because Citi refuses to reveal the exact requirements, it's difficult to gauge your chance of being accepted.

Do Citi cash reward cards provide free money?

Cashback is not free money because you spend a certain sum to earn a certain sum back. Citi does not give you free money - it simply gives you back a small percentage of the fees that it imposes.